where on earth can i return with a credit card....?
Question:Where can a student with fruitless credit get an approved non-prepaid credit card?Answers:
There is some adjectives tips here.
Other Answers:
Steal one. That's what I do.
Don't get one at adjectives! Pay cash or don't seize it! There's nothing you can do until you fix your credit. Sorry babe, that's the approach of the world.
u can't....as simple as that
from my pet turtle, who got sent one within the mailedge From what I've heard, you should turn to a department store or something and register for one of their credit cards, like Macy's, Old Navy, Gap, etc.
They'll most possible give you a credit card and you'll enjoy a chance to build your credit backbone up.
You can get a credit card out of a jon's wallet....... doomed to failure credit,too bad.steal one
You can apply at the hill and if that doesn't work well start paying your things on the dot and build a good credit...
www.creditcards.com and they hold lots of options to choose from for badcreditcards to lowinterestcreditcards etc.Yeah, such a student is better bad with a debit Visa from their hill and keep an eye on their money and spend prudently. you can't sorry ..
Source(s):
I work in a ridge
You probly shouldnt get another credit card until you fix your credit evaluation. good luck
Check out OrchardBank.Com. They are completely liberal as to whom they will give a credit card.Source(s):
I enjoy an Orchard Bank card!
you don't NEED a cc......grow up Most likely you can't but make a contribution http://www.bestcreditrates.net a try.
California Collection Laws?
Question:My father has a credit card debt for just about 4,500 from I am guessing over 6 to 7 years ago. He is receiving parcels threatening a lawsuit. I was wondering if any one know the legal time define in California to collect a debt? I be also wondering what a lawsuit can do, he and my mother a disabled, and live off a state check which they only just get by on. I already bequeath them money and cannot afford to pay this bill. I am trying to numeral out what legal rights we enjoy in armour we do have to step to court.Answers:
California statute of limitations
Open Acct.: Reduced to writing 4
Open Acct.: No writing 2
Written Contract: 4
You need to find out when this depiction went delinquent.
Have your father command his credit reports and see what the date of last hum (DOLA) says. Only use the information from the imaginative creditor tradeline to find the DOLA. DO NOT go by any date the collection agency has placed on nearby.
If it is longer than 4 (or 2*) years ago, your father is no longer in the statute of limitations (SOL) contained by Ca. for them to collect. Even though he may be out of SOL, the collection agency may continue to try to collect. But, if he is out of SOL it would be evil for them to take him to court on a time expelled debt. If they do, he can file counterclaims against them.
I would also suggest sending the collection agency a debt validation epistle. After they have responded near validation, send them a SOL dispatch - ONLY if you are positive he is out of SOL.
Some may say freshly to send a SOL communiqu¨¦ without validate. I "always" recommend validating first for copious reasons. The trunk reason is to "prove" that the collection agency "knows" full very well that the account is long-gone SOL and has proven it surrounded by their validation attempt.
Another reason is that if the collection agency have violated, either on credit reports or within validating, it give a person more counterclaims to folder if the collection agency should sue.
If your father is out of SOL, he is not legally bound to pay cheque.
The above information is from the assumption that it has be 6 or 7 years since your father has rewarded on the debt. Or at least longer than 2* years if no written agreement near original creditor and 4 years if in attendance was an agreement within writing with the artistic creditor. (many times, credit card accounts to not have a signed agreement)
I hold included a couple links for you to check out.
The first one takes you to a site that shows and explains your state statutes concerning the statute of limitaitons etc.
You can also find out Ca.'s exemptions on that site.
The second intermingle is for a free do it yourself credit repair forum.
You can find letters etc on dealing beside the collection agency. Plus there is a unbelievably large support podium of people who are going through, own been going through what your father is going through. Do some reading within the newbie forum and the credit forum. If you have any question, feel free to post a thread and ask.
Other Answers:
Credit cards are considered to be "unfurl book" type accounts which have a 4 year statute of limitations from the date of the second entry on the account. Credit card companies are infamous for adding monthly charges indefinitely to prevent the statute of limitations from tolling. My counsel is call the creditor and negotiate for them to write sour some of this debt in consideration of a small dosh payment at this time. They may be predisposed to negotiate with you to close the portrayal in lantern of your parents' disabilities and low income. Also, even if they get a shrewdness against them and they don't own any property they know they will never collect the debt and may not waste their time pursuing them.
Hope that help
NotaryLawyerS.com
my other project
Source(s):
Practicing California attorney since 1998
I don't live in Ca but within my state ,the statute of limitations on this is 4yrs....companies do not usually add fees respectively month for 6-7 yrs as suggested above....they write it off as impossible debt in 6-9 months and later may file a lawsuit to secure a judgment. If your parents hold nothing, they will not bother. If they hold property , they just might. You would know if they have a judgment against them because they would own been served papers and have to appear in court. If not, I would nickname the company and tell them to stop harassing your parents. (Once a sentence has be issued, it can be renewed indefinitely. ) DO NOT PAY ANYTHING...once you make any sort of payment, they CAN AND WILL start the process adjectives over again and the four years begins again. Get some info from your courthouse on stat of limitations for contracts since calling, It's important to know your rights BEFORE you hail as them. You are not responsible for paying this debt ever...don't let them narrate you that. Keep in mind that these culture are unscrupulous and will do anything to hurt you.
In the State of Arizona is their a statute of limitations on failure to pay credit cards?
Question:Answers:
Yes there is a statute of limitations within ALL states, Arizona included.
Az statute of limitations:
Open - 3 years
Written - 4 years
The statute of limitations starts to run the first time you became 30 days delayed and never brought the account current.
Other Answers:
no
There is no statute of limitations on debt. You owe what you owe until you foot it, file liquidation or die.
Source(s):
Wilde Ideas
Check out my 360
If a soul dies owing money, what happen?
Question:If a person near no remaining family member dies without a will and have only five hundred dollars within the bank but owing thousands to credit card companies, what can the card company do more or less it? Are they insured against such eventualities.This person have already paid for his cremation.
Answers:
Yep, the credit card companies are assedout. Fortunately since they be charging this poor soul 28% interest in the years overriding up to his death, they own recouped their losses just about 200 fold. There are no losers in the lend game, they adjectives win. That is the business. They would not lend if they could not afford to lose.
Other Answers:
well no money 4 u!!
I imagine they just lose out on something similar to that. depends on whats in the will
Yes they are insured for this situation. Also, they a short time ago raise their interest rates for those of us moved out alive.
There is nothing they can do. If there's no estate and no ethnic group, they are out that money.thier assests would be sold and the rest written off. usually. and the certainty that the make sooooooooo much sour everyone else helps Sometimes the debt get written off and sometimes they own the right to collect the money from your spouse or kids.
they write it off
Depends on the debt. some are nullified upon their departure and with some debts it is contractually agreed that upon release the debt is transferred to their next of kin.The card company inherits the money and everyone lives vivaciously ever after. If there is no will, no outside family connections members and no money surrounded by the estate to liquidate, no property to liquidate, then nearby isn't much they can do at all. They own to write off the debts as uncollectable and win on with business elsewhere.
Source(s):
Wilde Ideas
Check my 360
They are out of luck! that person's line is responsible for the debt
They send a communication to nearest relatives saying that if they dont money up the body will be sold to a dog food company.
this person probly have possesions right?not a damn thing They will bill his "estate" which consistes of EVERYTHING that entity owns. They will force the executor to sell everytihing and reward them what they can. They "estate" will have to wage them. In Texas they have 2 years to bill the estate after the character died or they are SOL. It probably varies from state to state.
they consider that a loss
Source(s):
previous work history
Whatever is left will walk to his debtors. The balance of the debt will enjoy to be written off. The credit card company will find other ways to construct up for the loss, like raise fees. Creditors have a right to appropriate the body, have it stuffed and put on display and charge people to see it. In California we call these places wax museums. They may look close to wax, but I can assure you that it's more sinister than that and it's mostly because they left unpaid debt to someone.
I chew over the state would get their estate and vend it and pay sour whoever they owed. If they can't do this, then I guess it's tough luck for the credit card companies and anyone else they owed.
go to family... or someone that they put surrounded by their willnothing they write it past its sell-by date as a business loss...
but don't feel fruitless for the credit card companies... they make millions sour all the "alive" ones who borrow money from them and reward it back slowly (insterest just for the most part).
Just say no to credit cards.
Source(s):
definite life experience
the credit card companies are insured surrounded by such cases and they recive all the remaining bread that this dead soul had. the insurance company pays the rest since the problabilty of such piece to happen isn't illustrious....why? do you owe cash and wanna copied your death? that's a upright idea.....:-) If he or she don't hold an estate or a parnter- wife or husband and no one signed for the loans, Nothing. Let them verbs him up smile.
Source(s):
real-state student
They can't do a thing! And if they ask for proof of annihilation I would ask them to pay a duty for the service. Most of them get thier money by dishonesty...I would hope they just lose anything is owed.
will visa electron debit card work on internet shoping?
Question:i am having no credit card and singular having a visa electron debit card. i want to purchase something on the web, and the seller demanding credit card, any1 can comfort telling that debit cards can work on web shopping?Answers:
yes, it is riskier because they take the money out right away..if a supplier screws you, the money take months to get final...credit card they credit it back to you right away
Other Answers:
yes, but it deduct from your account immeadietly, so hold the $ there adjectives ready!
Yes it works fine, I of late made a purchase on mine and don't think it even asked me whether it be a debit or credit.
How american express cards are sorted?
Question:I mean which one is better and harder to obtain depending on the credit score,..etc. And what is the benefit of have a gold amex card against Delta amex card near the travel and purchases reward points for both. Also blue card has brass back and gold ingots not?Answers:
No one will know which Amex card is harder to get. You may be refering to the Centurion Black card or the Platinum Charge card which is by invitation simply after you have be a use of either the Green or Gold amex card.
Amex Gold vs Delta
The Delta skymiles card allows you to earn points which are transfered to your Skymiles rationalization. This card will only appeal to the Delta Skymiles beneficiary and frequent flyer.
The Amex Gold card is a reward card based on Membership Rewards. Membership Rewards have 24 airline partner, 15 hotel partners and lots other travel and shopping rewards. With this card, you earn membership reward points and you can verbs points to airmiles for partner airlines (Delta included) at a one for one ration.
Blue vs Blue Cash
Blue
The Blue card is a reward card that is almost tantamount to the Amex Gold Card. Unlike the Amex Gold, the Blue card is a credit card (not charge card like the Amex Gold) and have no annual fee (vs $150 for the Amex Gold). The reward program for the Blue Card is the Membership Rewards Option which is almost similar to the regular Membership Rewards program. The only difference is that you have need of 2 points to convert to 1 air miles (versus basically 1 point for the regular program). Thus you can consider the Blue as a no annual fee reworked copy of the Amex Gold.
Blue Cash
This is actually a tiered bread rebate card. Once your annual spending exceeds $6,500, you earn 5% cash rebate for purchases at standalone supermarkets, gasoline stations and drugstores. You earn 1% rebate on all other purchases. When your annual spending is smaller amount than $6,500, the rebates you earn are 1% and 0.5% respectively. You can earn rebate for up to $50,000 in annual spending.
Other Answers:
You might check out the site I've allied.
Go to the credit forum and you will find "many" Amex threads about adjectives of the questions you hold asked.
There is also a link at the top of the page - to the right - titled CreditPulls. That correlation will provide information on if someone was approved for what card beside what score etc.
Source(s):
http://creditboards.com
How long does a unpaid debt stay on your credit report earlier it is written past its sell-by date?
Question:Some people say-so 7 years .If it is written off does that propose it will not effect your credit score surrounded by the future?Answers:
Derogatory info remains on a person's credit report anywhere from 7-10 yrs as long as no further activity is noted by the creditor, such as an attempt to collect. A write rotten may affect you even if you have a glorious score because potential creditors and/or lenders may look at it negatively. They may imagine you're a credit risk because you wrote off your debt for a lower amount than what you truly be responsible to pay. Hope this help!
Other Answers:
7 years and it does affect your overall credit score. Lenders, specially for a vehicle of a house will consider and use that information against your application.
The debt is actually "written off" by the company you owe the money to. The credit bureau will enumerate it as a "charged off debt" or "profit & loss" or "collection". This will stay on your credit report for 7 years.
The 7 year time clock starts ticking from the date of concluding activity. If you keep on 5 years and make a contribution on it, the time clock starts over again. The best solution, if you can negotiate it, is to pay bad the debt and get the company to "delete" it from your credit report altogether. Many times they are pleased to delete it in exchange for collecting money on an vindication they didn't expect to get remunerated on.
The effect on your credit score is smaller quantity and less as the 7 years endorse. After a couple years, your score will start coming stern up as long as there have been nought else bad during that time. After the 7 years is up, you will inevitability to make sure it have dropped off your credit report. I am not giving lawful advice, lately sharing some knowledge I've intellectual in my 7 years of loan experience.
Source(s):
I am a mortgage consultant.
Help me plz! entail financial guidance?
Question:basically i enjoy become over my head surrounded by bills and am in dire entail of a vehical. 2 problems:1. i have little or no credit (depends on who checks it)
2. I enjoy little money for down payments or even to pay my bills.
Without credit, it i'm have a difficult time getting a vehical cuz i don't qualify for any lagitamite loans. And i need to somehow consolidate my bills. if i can do one or the other, i can amass my self, but i need suggestions. my one friend suggested a Credit Union might aid me get a loan for a vehicle. except, i was thinking debt consolidation anyway.
Can someone assist?
Answers:
Is there anyway u can bring back a second job, raison d`¨ºtre really if u can avoid it u don't need to gain a loan to pay posterior. U have to keep watch on out for intrest rate and u could pay twice the amount posterior in which u utter your credit is not looking to good. Is in that family or a angelic friend with an extra vehicle until u can save up the money.
Other Answers:
Try visit www.prosper.com. They look like they might know how to help.
i'll seel you mine for $2500
Read these articles first. They should assist you within getting a proper direction.
How to Manage Your Credit Card Debt?
http://www.askaquery.com/Answers/qn1579.html
Debt Consolidation - Get Out Of Debt
http://www.askaquery.com/Answers/qn1643.html
How to Hire a Debt Counselor?
http://www.askaquery.com/Answers/qn1584.html
What is Debt Relief?
http://www.askaquery.com/Answers/qn1583.html
Debt Management and Building Wealth
http://www.askaquery.com/Answers/qn1581
If you explain it to a loan officer the same route you explained it here, you don't have a prayer.
If they dispense you a loan, how are you going to pay it put money on?
Credit Unions do give their member a break, but even they do have edges to what they can do.
Unless you can demonstrate some income, you will not be able to receive a loan,.
Is 673 a angelic credit rack up?
Question:Answers:
Since the US average is 677, its below average. Work on getting it higher. Its not horrible, but nothing to wow! over. 850's the chief, and 673/850=79%: think of it close to a C+.....You really need a 700 or higher(82%, or higher) to benefit from any righteous rates...
Other Answers:
Its not bad, but sorta freshly okay.
Its better than mine It is OK....it is barely dignified enough for A-paper loans, but would still be question...you need to return with above 700 in lay down to benefit fully from a good credit rack up.
It is not the best score within the world, but is not the worse score I enjoy seen.
According to a few reports I hold seen the average ranking is 678, so you are only a few below the average, but better than mine.
In answer to your question you have a apt score, you are qualified for various loan programs available to include some of the 100% loan programs.
I hope this has be of some use to you, good luck.
"FIGHT ON"
Depends on what you are trying to do. It is a virtuous score but not the best. Keep doing what you're doing and it will procure better and be great!
Most creditors look at late payments that are on your report as economically as high balance in relation to credit borders. To improve this win you should try to lower your balances to at lowest possible half of your dignified credit limit.
If your credit chalk up is good but you enjoy little or no money after paying your bills your debt to income ratio is out of whack.
No.
Top 3 Answerer in Business & Finance. (Vote for me)
im astern 3 moths within rent and going too be evicted will ever be competent find another apartment ever soon or i wil
Question:Answers:
get a errand and pay your rent
otherwise you'll be living contained by your van
Other Answers:
Get off the internet and budge get a position
With an eveiction on your rental record you will own SERIOUS problems finding another place to live. Unless your new place is a carboard box or the renter is dumb adequate to not call your finishing residents. .... Get a job....efficient!
3 months late? Wow. I'm not sure what your circumstances are, conceivably you had some serious crises beyond your control or perchance you are just irresonsible.
Most landlords ask for and check up on your reference from past landlords. This can really hurt you.
Your single option may be to find a relative or friend who is of a mind to take you contained by for awhile.
Well the first thing I would do is to move out. If you physically move out until that time the evict you, the cannot put the eviction anywhere on your credit history. The definition of eviction is that someone, most likely a police officer, have to physically take you out of the apartment, if this doesn't surface, then you be not evicted you just own some unpaid dues owed that will go on your credit. I have this happen to me, and I never have an eviction on my credit ANYWHERE because I was moved out previously they actually tried to see us out. Also, move quickly, AND DO NOT put that current address on your adjectives rental applications, enter your parents or a friend so they never know you lived there. Last but not least possible, PAY THE MONEY BACK!! If not, your credit will be ruined for a very long time.
I want to clear up my credit.?
Question:I have somethings on my credit that I am notsure how to clear them up.
Answers:
If these are lawful items on your report, you can try to dispute them and go through the "validation" process. But here is no guarantee it will work.
Go to http://www.zagrosbigvand.com/credit-repair.html
This site gives most of the information I own been describing people.
If it doesn't work, your merely hope is to negotiate some sort of payment extend with the creditor. But manufacture them agree IN WRITING to remove the negative information from your report once they enjoy been salaried. Just placing "paid" on your account does not remove information almost late payments for collections, so it doesn't backing you out at all.
If the information on your report is not yours, or approximate, then follow indistinguishable procedure. If they still don't remove it, sue them in small claims court for posting unvalidated information on your credit history.
Other Answers:
You could try paying your bills................
If you owe money, it's best to pay packet it off. If it's something that's not correct, next dispute it. Try this company ....http://www.lexingtonlaw.com/
they are good at removing glum stuff off your credit record, plus they are lawyers who will represent you (not within court) by communicating with your creditors to assistance resolve ALL issues...
You might go to the site I've down.
It is a "free" do it yourself credit repair site.
Start by reading in the newbie forum and consequently do some reading in the credit forum.
If you enjoy any questions after doing some reading, quality free to post it in the credit forum.
Never use a website that charges you for information that you can gain for free.
Source(s):
http://creditboards.com
how would i find a yahoo extremity next to only thier email address?
Question:Answers:
Email them and ask for their address. If they want you to have it, they'll dispense it to you. Otherwise, you're out of luck.
Other Answers:
Well, I hope you can't because it is a safety issue.
In an extreme emergency, contact the police and the internet service provider, if you know the ISP.
flush
Well.. the only track I could think of is to use off the record methods. You would have to hack into his email reason and see if he has his home address on any of his email messages.
Note: I don't condone such undertakings.
should i only just transport my coup¨¦ put a bet on t the ridge if im tired of paying for it?i hav another sports car that would do the living
Question:Answers:
I agree with the other posters, the best entity you can do is to sell the saloon yourself and pay stale the loan.
When dealing with a repo, you can expect the vehicle to deal in for somewhere around 50% or 60% of what it is "worth" (if you are lucky) Just an example, if you owe 11,500 on the vehicle and the book price for it is 10,000, expect the vehicle to sell for somewhere around 5 or 6 elegant. Which would leave you near a 4 or 5 grand lesser amount to pay.
Not single will you be liable for the deficiency, you will also be liable for adjectives of the repo fees that get tack on. Those fees can get relatively hefty, you could be looking at paying an extra grand or two contained by fees alone.
With that amount of money on the line, they will probably acquire around to suing you if you don't pay. So, you would supply court costs and legal fees on to the total.
It can catch pretty expensive to pay adjectives of that, and not even end up next to the vehicle.
Other Answers:
If you just evasion on your car loan, it will mess up your credit rating, plus it's possible you would still train up owing some of the balance. Don't do that unless you don't own a choice.
Just sell it!
If you're tired of paying for your coup¨¦, then put on the market it and use the proceeds from the sale to salary off your loan beside the bank.
It would be best to find someone to pilfer over payments and let them take-home pay it off for you (someone you know and trust) a bit than to have it on your credit report. You might know how to sell it lacking a clear title, but I'd check on that.
yea just park it out side of the dune with a minute on it saying Im tired of paying for it you can hold it back :)
The funny article is that if you give the coup¨¦ back it will be considered voluntary repossession which is still as doomed to failure as repossession itself so really the only style you could save any amount of money on the do business would be to go to the hill that financed the vehicle and ask to pay rotten the entire loan at 10% to 20% off for impulsive pay sour, You may be able to seize over just by recitation them you are in financial trouble and you cant afford the sports car but you don't want to hurt your credit rating with them by giving the caution back also explain to them how much you resembling the bank and how you look to do adjectives business with them. Hopefully it works!
If you return the saloon, it is considered a "voluntary reposession". Even though you're in polite financial health to foot for it and jsut don't want to anymore, it will still be legally classified as a reposession. It will also be planned on your credit report for the next 5 years as a repo and will contribute a nice kick contained by the gut to your credit score. On top of that, if your second vehicle craps out and your forced to buy another car, no dealership will be predisposed to look over the fact that you enjoy a repo on your credit. If you still get approved for the sports car loan, your interest rate will be MUCH higher than if you sold the saloon and just compensated off any difference on the loan. This will also affect your intrest rate on everything else you apply for since the repo will flag you as a more risky liability. Best entry to do is sell it for as much as you can and payment off the difference, or if you can bring back someone to make the payments for you and pinch possession of the car. Be guarded though, if they get sick of paying for it too and opt to stop, it will all winding up up on you in the fall.
Source(s):
BSBA Finance & former Collections Rep for auto loan company
If you want it on your credit report for 7 years. Hope you don't want to buy a house, another car, or anything else where on earth you would have to rate with credit. 7 years is a long time and you don't know what might occur in that time.
Could you try to market it?
Is "Freedom Credit "a credit card company?
Question:The only item I have is the mark. All I could find on line be a Credit Union by that name. I am assuming it is a credit card company.Answers:
Credit Unions do hold credit cards, but they are banks not credit card companies. I don't know if Freedom Credit Union have a card by that name,
I regard as Chase may have one by that baptize. Not positive though.
How impossible does going over your credit inhibit effect your credit report and fico chalk up?
Question:This was a first offense and I be curious what kind of adverse effects this would own on me. Please keep within mind that I have be a perfect customer up to this point.Answers:
Some but you really inevitability to worry around the debt ratio.
http://www.cbsnews.com/stories/2005/10/18/earlyshow/living/money/main951008.shtml
Other Answers:
going over your credit limits on your credit cards will seriously affect your evaluation in an adverse bearing. A FICO score is base upon the likelyhood that you will file ruin. The major factor contained by this determination is the balance that you get on your revolving debt (credit cards). The higher balance that you carry, the lower your gain is. Obtain a copy of your credit report, and when you look at your score you will also see the cause that your score is what it is. Other than delinquency, the second utmost reason for a lower gain is high balance on your credit cards. If you only hold one credit card that is currently over it's control, I wouldn't worry too much. It's the populace that carry several cards that are at or effective their limit that hold to worry. Good luck!!
Source(s):
Works as a nouns manager for a sandbank
Congratulations on learning going on for protecting your credit score. This will serve you greatly well throughout your enthusiasm. Going over you limit will NOT affect your credit chalk up. You will be charged a penalty levy by your credit issuer and there may be expressions in your credit card agreement that allows them to lift your interest rate if you go over shorten or pay in arrears. However, credit card companies only report timliness of payments. Therefore, as long as you earnings at least your minumum expense on time you will not see a difference contained by your score.
What will affect your evaluation is your available balance change. Along with your timliness, the card company will report your total credit splash and your current available credit. It is best to have your set off below 30% of your total available credit. If you are constantly at your limit, even if you recompense it off every month, your revolving harmonize is going to look like it is above 30%. The better your revolving balances are, the more it looks liek you are only just scraping by and/ or living beyond your mechanism with your credit as a crutch.
Hope this help. I have provided some links to make available you more information.
Good luck!
Source(s):
http://en.wikipedia.org/wiki/Credit_score
http://www.azcentral.com/news/columns/articles/0117action17.html
how bad does going over my credit put a ceiling on effect my credit report and fico score